mrs. galante has demonstrated her ability to identify the multitude of problems of the f.a.a. and i believe it is incumbent upon us to reject in nomination and demand real forms at f.h.a. and a nominee who represents and appreciates the urgency of this situation and a willingness to address it. mr. president, i yield the floor. a senator: mr. president? the presiding officer: the senator from tennessee. mr. corker: i very much enjoy working with the senator from alabama. he's been outstanding on the banking committee and i agree with almost every criticism he's made regarding the f.h.a. we have stood together trying to cause the housing industry to work much better than it is for not just those trying to purchase homes but obviously the american taxpayer that he just alluded to. but i want to also point out something that was just said. the reason -- one of the main reasons the f.h.a. is in the problem it's in is the loans that were made in 2006, 2007, and 2008, long before this nominee was there. and i agree that this nominee needs to be more aggressive in making changes, and